Financials
- Fiscal year
- 2024
- Total assets
- €556,593
- Loss
- -€89,479
- Solvency
- -24.0%
Total assets▼ 11.4%
Net result
20182024
ZOWIE
ActiveSummary
The computed 12-month bankruptcy probability of ZOWIE is 11.0% (high). The 2024 annual accounts show negative equity (-€133,798) and a net result of -€89,479. Equity is shrinking by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 15% of 15868 sector peers (fiscal year 2024). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Wholesale of household textiles and bedding
NACE 46412Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716NACE 51410
2 sites
Size
€556,593total assets 2024
- Staff
- 2.8 FTE
- Equity
- -€133,798
- Loss
- -€89,479
Turnover not published (abridged schema)
Structure
Accounts 68 d overdue1 of 2 deeds read
Why 28- 1 financial year not filed after the legal deadline; latest accounts 244 days late; 3 of the last 3 late- 1 change of registered office in 24 months- Loss of €89,479, the second in a row (FY 2024)+ Founded in 1999Show the evidence
Checked score
Score 2024
28
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 10% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Weak
Solvency
1-9
equity -24.0% of total assets
Liquidity
7-2
short-term debt 98.7% · cash 5.7%
Profitability
0-8
return on assets -16.1%
Bankruptcy probability, 12 months
11.0%
High
0%0.5%1.5%4%10%≥ 25%
About 1 in 9 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 8.8%
12-2024: 8.8%● 0.0% vs 11-2024
01-2025: 8.8%● 0.0% vs 12-2024
02-2025: 8.8%● 0.0% vs 01-2025
03-2025: 8.8%● 0.0% vs 02-2025
04-2025: 8.8%● 0.0% vs 03-2025
05-2025: 8.9%▲ +0.3% vs 04-2025
06-2025: 8.9%● 0.0% vs 05-2025
07-2025: 8.9%● 0.0% vs 06-2025
08-2025: 8.3%▼ -6.3% vs 07-2025lowest value
09-2025: 8.3%● 0.0% vs 08-2025lowest value
10-2025: 8.3%● 0.0% vs 09-2025lowest value
11-2025: 8.3%● 0.0% vs 10-2025lowest value
12-2025: 8.3%● 0.0% vs 11-2025lowest value
01-2026: 12.2%▲ +46.7% vs 12-2025highest value
02-2026: 12.2%● 0.0% vs 01-2026highest value
03-2026: 12.2%● 0.0% vs 02-2026highest value
04-2026: 12.2%● 0.0% vs 03-2026highest value
05-2026: 9.9%▼ -18.9% vs 04-2026
06-2026: 9.4%▼ -4.2% vs 05-2026
07-2026: 9.3%▼ -1.2% vs 06-2026
08-2026: 9.4%▲ +0.3% vs 07-2026
09-2026: 9.4%● 0.0% vs 08-2026
10-2026: 11.0%▲ +17.9% vs 09-2026
- 1 financial year not filed after the legal deadline; latest accounts 244 days late; 3 of the last 3 late raises the probability
- 1 change of registered office in 24 months raises the probability
- Founded in 1999 lowers the probability for this profile
- Loss of €89,479, the second in a row (FY 2024) raises the probability
No credit on open account
Liquidity short (current ratio 0.74 against 0.82 in 2023; short-term debt: 98.7% and cash: 5.7% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 12%, liquidity 9%, profitability 6%, growth against the median 12%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
181921222324
2018 to 2024 · latest year -€133,798
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-04-2026, 244 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
244 d late
2023
609 d late
2022
975 d late
2021
92 d late
2019
101 d late
2018
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 342 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
- Annual accounts filedfiscal year 2022 · micro…
Key points
- Risk: Negative equityfiscal year 2024: debts exceed assets -€133,798 View
- Risk: 6 loss-making years in a rowloss fiscal year 2024 -€89,479 View
- Caution: Among the weakest 5% on net resultsector median €4,834 · 15,847 companies -€89,479 View
- Caution: Accounts not fileddeadline was 31-07-2026 68 d late View
- A director leftlatest change 08-12-2025 · 0 in office 1 left View
By topic
Timeline
- Events
- 12
- Since
- 2015
- 01-04-2026Annual accounts filed
- 01-04-2026Annual accounts filed
- 01-04-2026Annual accounts filed
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Wholesale of household textiles and beddingNACE 46412
- Founded
- 14-04-1999
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 18
- Who signs
- Each director alone
- Purpose
- De import en export. groot- en kleinhandel, de consulting inzake prêt-à-porter…
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